Wisconsin homebuyers can access up to $16,800 in down payment assistance through the Wisconsin Housing and Economic Development Authority (WHEDA). On the state's $306,400 median home price, that covers roughly 27% of a standard 20% down payment. Wisconsin has 2 state DPA programs total.
Primary Program: WHEDA Easy Close DPA
maximum assistance
0% interest, no monthly payments. Repaid when you sell, refinance, or pay off the first mortgage.
- Administering Agency
- Wisconsin Housing and Economic Development Authority (WHEDA)
- Purchase Price Cap
- $481,176
Additional Wisconsin DPA Programs
WHEDA Capital Access DPA
Forgivable Loan$8,400
Forgiven over time if you remain in the home as your primary residence.
Apply / Learn MoreHow Down Payment Assistance Works
Most state DPA programs are layered on top of a first mortgage — you apply through an approved lender who originates both the primary loan and the DPA second lien at the same closing. The DPA funds reduce the cash you need upfront.
Grants
Free money — no repayment ever. Typically the smallest amounts but highest value.
Forgivable Loans
Balance forgiven after a set period (usually 3–15 years) if you stay in the home. Selling early triggers repayment.
Deferred Loans
No monthly payments. Balance due when you sell, refinance, or pay off your mortgage.
Down Payment Calculator
Down Payment Planner
Wisconsin median pre-loaded
Your Savings Plan
Timeline
10.3 yrs
saving $500/mo
No PMI at 20% down
20% or more avoids private mortgage insurance entirely.
Estimate only — does not include investment returns on savings.
Full Calculator →Frequently Asked Questions
What down payment assistance is available in Wisconsin?
Wisconsin's primary DPA program is the WHEDA Easy Close DPA, administered by the Wisconsin Housing and Economic Development Authority (WHEDA). It provides up to $16,800 as a deferred loan. 0% interest, no monthly payments. Repaid when you sell, refinance, or pay off the first mortgage. Additional programs include WHEDA Capital Access DPA.
How much down payment do I need in Wisconsin after using DPA?
On a $306,400 home (Wisconsin median), a 20% down payment is $61,280. With the WHEDA Easy Close DPA covering $16,800, your remaining gap would be $44,480. Many buyers combine DPA with a 3–5% conventional or FHA loan to reduce their cash needed further.
Do I have to repay Wisconsin down payment assistance?
0% interest, no monthly payments. Repaid when you sell, refinance, or pay off the first mortgage.
Can I combine Wisconsin DPA with other assistance programs?
Yes — Wisconsin's DPA programs can generally be combined ("stacked") with local city and county assistance programs, employer homebuyer benefits, and federal programs. Check with an approved lender or HUD-approved counselor to identify all programs you qualify for.
What are the income limits for Wisconsin down payment assistance?
The WHEDA Easy Close DPA uses a dollar-based income limit rather than a percentage of AMI. Check the Wisconsin Housing and Economic Development Authority (WHEDA) website for current limits in your area.
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